New York Capital Gains Tax 2026: Graduated income tax (top rate up to 10.9%)

New York capital gains are modeled as Graduated income tax (top rate up to 10.9%). Use this free calculator to estimate capital gains tax in New York, including federal rates, NIIT when applicable, and New York's state treatment (graduated income tax (top rate up to 10.9%)).

State treatment: Graduated income tax (top rate up to 10.9%)·Official source ↗

Rates last verified: August 2026

Capital Gains Calculator

Federal · NIIT · All 50 states

2026 ratesIRS verified

Follow the three steps, save the sale, then calculate. Required fields are marked with *.

Your tax profile

These apply to every sale in this estimate.

Tax year

Filing status

State

Annual taxable income (before these gains)

Capital loss carried from prior years

What you sold

Prices and quantity for this lot. Give it a name if you will add more than one sale.

Asset type

Asset name

Buy price

Sell price

Quantity / units

Selling expenses

Repurchased within 30 days (wash-sale check)

When you bought and sold

The IRS uses these dates to decide short-term vs long-term rates.

Buy date

Sell date

Next: Save this sale to the order log, then click Calculate now. Tax results do not update until you calculate.

Order log

Sales included in this tax estimate.

Please fill in the details to see your results. Follow the three steps on the left, then save a sale here.

New York capital gains tax overview

New York taxes capital gains as ordinary income at graduated state rates, and New York City residents can face an extra local layer that this calculator does not fully itemize. Use this page to stack federal LTCG or STCG, NIIT, and New York’s modeled state rate before you sell.

Federally, short-term gains (held one year or less) are taxed as ordinary income, while long-term gains generally use 0%, 15%, or 20% preferential rates for tax years 2025 and 2026. High earners may also owe the 3.8% Net Investment Income Tax when MAGI exceeds the IRS threshold for their filing status.

New York generally taxes capital gains under its graduated income-tax framework. For planning estimates we apply New York's top modeled rate (graduated income tax (top rate up to 10.9%)) to taxable gains. Your actual marginal state rate may be lower depending on total New York taxable income.

New York figures in this model are drawn from the official source we cite for the state: https://www.tax.ny.gov/. Confirm the current-year statute or agency page before you file — rates and special rules can change.

New York’s model taxes capital gains as ordinary income on a graduated scale with a top rate up to 10.9%. There is no separate state long-term capital-gains bracket in this estimate.

New York City’s local income tax is not itemized as its own line. A city resident can owe more than the state figure shown here. The page assumes New York State residency for the state tax.

Rates last verified: August 2026. Official source: https://www.tax.ny.gov/.

Use the calculator above with filing status and income to stack federal long-term or short-term tax, NIIT, and New York state tax. Compare nearby states from the links below, review our methodology for data sources (including New York's official reference), and consult a CPA before filing. This page is educational and not tax advice.

New York rate snapshot

Category	graduated
Summary	Graduated income tax (top rate up to 10.9%)
Abbreviation	NY
Top / modeled rate	10.90%

Illustrated tax on a long-term gain

Long-term stock gain while living in New York. Federal and NIIT use the same income on every state page. The New York column is the only state tax that changes.

Gain	Federal	NIIT	New York	Texas state tax
$50,000.00	$7,500.00	$0.00	$5,450.00	$0.00
$100,000.00	$15,000.00	$0.00	$10,900.00	$0.00
$250,000.00	$37,500.00	$4,940.00	$27,250.00	$0.00

Single filer, tax year 2026, $80,000.00 of other taxable income. Texas is the no-tax comparison. Illustration only, not your return.

Always verify rates with theNew York revenue agencyand review ourmethodology. Not tax advice.

Estimate New York tax by asset

Estimate New York tax on stocks, crypto, real estate, collectibles, and QSBS.

FAQ

New York FAQs

How does New York tax capital gains?

New York generally taxes capital gains under its graduated income-tax framework (Graduated income tax (top rate up to 10.9%)). For planning we apply the top modeled rate to taxable gains; your actual New York marginal rate may be lower depending on total taxable income.

Is the New York amount on this calculator exact?

No. Graduated states are estimated at the top modeled rate, not a full multi-bracket state return. Federal tax and NIIT are stacked separately. Federal short-term and long-term capital gains tax, and the 3.8% Net Investment Income Tax when MAGI exceeds the IRS threshold, can still apply.

Where do New York rates come from?

Our model cites https://www.tax.ny.gov/. Use this page for a combined federal-plus-state planning estimate, then confirm with New York instructions or a CPA.

Are New York capital gains sourced by residency or by where the asset sits?

New York generally taxes residents on worldwide income, including capital gains, under its graduated framework (Graduated income tax (top rate up to 10.9%)). Nonresidents may still owe New York tax on certain sourced assets such as in-state real property. This page assumes New York residency for the state line.

Is New York City tax included in this state line?

No. The calculator models New York State graduated tax up to 10.9%. It does not add a separate New York City resident tax.

Does New York have its own long-term capital-gains rate?

Not in this model. Long-term and short-term gains are both run through New York’s ordinary graduated scale, up to 10.9%, after federal character is computed.

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